Utkarsh Small Fin.
Small Finance Bank · NSE UTKARSHBNK · Market cap ₹2,671
Latest FY FY2026
Loan growth
-3.5%
Deposit growth
0.4%
NIM
—
ROA
-4.0%
ROE
-42.0%
Gross NPA
—
P/B
0.67x
70th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | -3.5% | 17.7% | -21.2pp | — |
| Deposit growth | 0.4% | 13.4% | -12.9pp | — |
| CASA | — | 32.7% | — | — |
| NIM | — | 3.6% | — | — |
| ROA | -4.0% | 1.1% | -5.1pp | — |
| ROE | -42.0% | 12.4% | -54.4pp | — |
| Gross NPA | — | 1.9% | — | — |
| Credit cost | 6.6% | 1.3% | +5.3pp | — |
| Cost/income | — | 55.1% | — | — |
| CRAR | — | 18.9% | — | — |
| P/B | 0.67x | 1.07x | -0.4pp | 70th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▼Deposits growing -9.5pp vs listed-bank aggregate (share 0.09%, -0.01pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▼Advances growing -17.5pp vs listed-bank aggregate (share 0.08%, -0.02pp 1Y) · |bank growth - system proxy growth| >= 5pp